How self-employed owner-occupied files qualify
A-lender vs alt-doc for the Ontario home you live in. Rental income is a different desk.
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Two-year NOA average
A-lenders want T1 Generals, statements of business activities, and proof the business is active. Qualification uses the two-year net average plus add-backs.
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Bank-statement / alt-doc
When reported net is too low, 6–12 months of business deposits can qualify at higher rates and lower LTVs — often a bridge to A-lender later.
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Keep accounts clean
File taxes current, separate business and personal accounts, and avoid large unexplained deposits in the 90 days before application.
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Not a rental file
Rental underwriting belongs under /markets/. This page packages income for the home you occupy.
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Residential rates
Owner-occupied and 1–4 unit rate ranges. Commercial and CMB pricing live on their own desks.
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Ontario home mortgages
City pages for the home you live in — purchases, renewals, refinances, and self-employed files.
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Rate-and-term refinance
Lower the rate or reset the term without taking cash out. Penalty math first.
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Home equity takeout
Pull cash up to 80% LTV from the Ontario home you occupy. Refinance vs HELOC compared.
Ontario owner-occupied mortgages
Retail (owner-occupied) paths for the home you live in — not investment underwriting.
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Self-employed Ontario FAQs
NOA averages, add-backs, and alt-doc for owner-occupied files.
Self-employed Ontario FAQs
Next steps
Package your income once, shop 50+ lenders
Bring 2 years of NOAs and 6 months of business statements — we map A-lender vs alt-doc paths side by side.